1. HDFC ERGO Health Insurance - The HDFC ERGO Health Insurance Company is a joint venture between HDFC and ERGO.ERGO International and HDFC Limited have entered into a joint venture. As a result, In 2020, HDFC Health Insurance merged After getting Apollo Munich health insurance, A license from the Insurance Regulatory and Development Authority(IRDA). As of now, The second-largest player in the health insurance industry is HDFC, a health insurance company owned by a private company. There are more than a dozen locations for the company More than 200 cities, 170 branches, and 7000 employees working for it.
Features & Benefits of HDFC ERGO Health Insurance
- Benefits of Free Health Checkups - HDFC Ergo's health plans offer free health check-ups for insured members. There is a limit to the number of health check-ups that can be obtained after 1-4 continuous policy years.
- Employer coverage with additional protection - Through HDFC Ergo's health insurance plans, individuals can enhance their coverage under group health plans. If you have group health insurance through your employer, the level of coverage and benefits might be limited. With HDFC Ergo, you can add to your existing group plan and ensure better coverage if you buy independent health plans.
- The cashless benefit - Cashless claim settlements are available for the company's policies so that you do not have to bear the financial burden of your health claims. For cashless claims, HDFC Ergo has partnered with more than 10,000 hospitals in India. With pre-authorization in just 22 minutes, you can receive cashless treatments without worrying about high health costs.
- Settlement Ratio for Claims - An insurance company's Claim Settlement Ratio (CSR) measures how many claims it settles relative to the number of claims it receives over the course of a financial year. For FY 2019-20, HDFC Ergo has settled most of its claims and has an overall CSR of 86.52%. It is important to note that the claim settlement ratio changes over time.
- Benefits from taxes - Section 80D allows you to deduct the premiums you pay for health insurance. The section of the Income Tax Act that allows deductions for up to Rs. 55,000 (Rs. 25,000 for individuals and Rs. 30,000 for senior citizens) includes premiums paid for your parents' policies. Furthermore, there are a few best health insurance plans by HDFC as follows-:
- Optima Secure Health Insurance - It gives you an incredible 4X coverage at no additional cost with Optima Secure health insurance, which redefines the value of health insurance. You are now able to purchase Optima Secure at no additional cost by taking advantage of the cost installment benefit (which applies to one-year policies). All debit and credit card holders can use this option. It's not done yet. In addition to these benefits, you can also look forward to no room rent capping, a wider range of pre and post-hospitalization procedures, unlimited day-care procedures, and exclusive discounts.
- Optima restore health insurance - Selecting the right health insurance plan is essential when it comes to protecting your family's health insurance. In addition to cashless treatment at our network hospitals, you also receive other great features with Optima Restore.
- 100% Restore Benefit - Get 100% of your basic Sum Insured restored instantly after the first claim. Optima Restore is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs.
- The benefit of a 2X multiplier - An increase of 50% in the basic Sum insured for every claim-free year, up to a maximum of 100%.
- Checkups are complimentary - A regular medical checkup keeps track of your well-being and helps diagnose illnesses early. Renewing your policy brings you access to preventive medical check-ups up to 10,000.
- My medical Suraksha - Priority has always been given to medicine! health Suraksha aims to protect you from soaring medical expenses. My: health Suraksha is an ideal health cover for individuals, families, and seniors looking for a range of 3 to 5 lacs of coverage.
- Health wallet plan - What are the benefits of medical insurance for medically ill people? What is the point of having to pay for your OPD expenses? The health Wallet has everything you need and more. health insurance is being redefined and revolutionized with the introduction of the health wallet plan. In a few years, Reserve Benefit will pay for itself because it is flexible and comprehensive.
- Energy plan - Diabetes patients can benefit from Energy Plan General Insurance, which provides insurance and personalized management plans. Furthermore, this plan is also a health insurance product for people suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-diabetes (IFG, IGT), or hypertension. There are two variants of the Energy plan - Gold and Silver. Co-payment options are available for both variants. 20% of the claim amount will be your responsibility. The Gold segment of HDFC ERGO General Insurance offers twice-yearly health check-ups at no cost to you. For the Silver segment, you must undergo a medical check-up twice at your own expense at a diagnostic center in order to qualify for Wellness Benefits.
- Medisure super top-up - If even your existing medical insurance isn't enough to handle medical issues at times, may your medical thrive always. You and your family don't have to worry about rising medical costs. Make sure you get the best medical care possible with my: health Medisure Super Top-up.
a. Secures the family in one bond.
b. From the age of 61, premiums are constant.
c. Up to the age of 55, no medical checkups are required.
2. TATA AIG Health Insurance - In 2001, Tata AIG General Insurance Company Limited was founded. AIG and the Tata Group are in a joint venture. A variety of non-life insurance products are offered by the company, including home insurance, motor insurance, travel insurance, health insurance, and commercial insurance. Innovative risk solutions are provided by Tata AIG Insurance. Tata AIG comes with amazing health insurance plans for you and your family as follows-:
- Medicare plan - Designed to address the growing cost of medical expenses today, this is a simplified and comprehensive health insurance plan. A dependent child between 91 days and 5 years can be insured only if both parents purchase the policy. Age 65 is the maximum entry age. In addition to the global cover, lifelong renewals, bariatric surgery cover, and a strong network of over 3,000 hospitals across India, TATA AIG Medicare offers its policyholders a wide range of benefits. Moreover, it offers a variety of discounts based on the policy's terms or other factors.
- Medicare Premier Plan - With Medicare Premier, you have health insurance across the globe. With the auto restore feature, you and your family get a No Compromise cover of up to 50 Lacs. Over 5800 hospitals offer cashless benefits.
- Medicare Plus Plan - This top-up policy from Tata AIG offers several features and benefits that are suitable for your needs at an affordable price. Medical expenses covered by the policy are reimbursed if they exceed the deductible. This policy can be proposed by anyone who is between 18 and 65 years of age and includes up to 7 family members including themselves, their spouses, up to three children, and up to two parents. Insured sums and deductibles range from Rs. 3 lakhs to Rs. 1 crore and Rs. 2 lakhs to Rs. 20 lakhs, respectively. Depending on your budget and requirements, you can purchase a policy for 1 year, 2 years, or 3 years. With Medicare plus, the insured is covered for a wide range of medical expenses. An inpatient hospitalization, a second opinion, a daycare procedure, a specific number of days' pre-hospitalization and post-hospitalization expenses, an AYUSH benefit, ambulance coverage, organ donation costs, domiciliary treatment costs, and global coverage (optional). Aside from coverage benefits, the policy offers other benefits such as tax deductions on premiums paid, lifetime renewals, and cumulative bonuses. Simply put, the policy protects you and your loved ones completely.
3. Niva Bupa Health Insurance
Niva Bupa Health Insurance Company Limited (formerly Max Bupa Health Insurance) was formed in 2008 as a standalone health insurance company. A Niva Bupa health insurance company backed by True North and Bupa aims to reach Rs. 2,500 crores by 2021-22 by maintaining strong growth in the market. By focusing on customer-centricity, product innovation, and digital capabilities, the insurer aims to provide financial assurance and medical care access to its customers. Individuals can choose from a variety of health insurance plans designed to meet their specific needs. Whether you are an individual, a family, a senior citizen, a woman, a parent, a self-employed person, or a child, you can find affordable health insurance here. Additionally, the insurance company offers painless health insurance claims. Due to the absence of third-party agents, the claims are settled directly. Cashless treatment is available at more than 7,000 hospitals across the country through the insurance company. In addition, the insurer promotes medical living among its customers. Medical App and Any Time medical (ATH) kiosks are some of the digital solutions it has introduced for this purpose.
Features & Benefits of Niva Bupa Health insurance
- Free medical Checkup: Additional Benefits - Health insurance policies offered by Nia Bupa health Insurance include free health check-ups every year or every two or four policy terms. Policyholders can monitor and maintain their health with this benefit
- Over and above employer-provided coverage - An employer's health insurance policy may not cover all your major health care expenses. The Niva Bupa health Insurance plan comes into play here. Your employer's health insurance plan does not cover all the major expenses covered by the comprehensive plan offered by the insurer.
- Benefits from taxation - Under Section 80D of the Income Tax Act, 1961, you can avail of tax benefits on the premium you pay for Niva Bupa Health Insurance plans. It is important to note that tax benefits are only available if the payment is not made in cash.
- The cashless benefit - More than 7,000 hospitals are part of the Niva Bupa health Insurance network. As long as the health care expenses are covered under the policy, the insured can receive cashless treatment at these hospitals. When treatment is received at these hospitals, the insurer ensures a smooth claim settlement. Furthermore, the company promises to pre-authorize your cashless claims within 30 minutes of the claim being notified, thereby speeding up the settlement process.
- The ratio of claims settled - With a Claim Settlement Ratio of 89.46%, Niva Bupa Health Insurance has successfully settled numerous claims over the years. As a result, the insurer is able to handle customer claims well. Investing in a health insurance plan depends largely on the company's CSR. CSRs can, however, change from time to time.
- Medical expense coverage - Among the major medical care expenses covered by Niva Bupa Health Insurance are in-patient hospitalization, pre-hospitalization and post-hospitalization expenses, daycare expenses, ambulance costs, domiciliary costs, and organ donor costs. Adding further it has some worthy insurance plans as follows-:
- Reassure plan - It offers both individual coverage and family floater coverage with Niva Bupa health Insurance's ReAssure Policy. There are various sum insured options ranging from Rs. 3 lakhs to Rs. 1 crore, so you can choose as per your needs. In addition to hospitalization expenses and daycare expenses, the policy also covers modern treatments and ambulance expenses. As well as covering hospitalization, it also covers emergency road and air ambulance expenses, second medical opinions, and home hospitalization expenses. As its name suggests, the policy provides complete coverage for COVID-19-related treatments. There is also good news: the policy has a 15-day waiting period, which means you can begin using the policy benefits 15 days after it was enacted. As well as offering coverage benefits, the policy provides a free look period, lifetime renewal benefits, portability and migration benefits as well as tax benefits.
- Health companion plan - A health Companion Policy offered by Niva Bupa Health Insurance covers a wide range of health care expenses for both individuals and families. Depending on your budget and requirement, you can choose from a range of sum insured options starting at Rs. 2 lakhs and going as high as Rs. 1 crore. In terms of coverage benefits as well as sum insured options, variants 1, 2, 3, and Family First differ from one another. Both a one-year and a two-year subscription are available. The second-year premium can be discounted when you buy it for two years. As a top-up, you can choose from deductibles ranging from Rs. 1 lakh to Rs. 10 lakhs. As part of the health Companion Policy, the insured receives several benefits, including organ donor expenses, inpatient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, daycare expenses, health checkups, domiciliary hospitalization expenses, and modern treatments. In addition, you can include two optional covers in your policy, hospital cash and Safeguard (rider), to add additional coverage to the benefits of your base policy. In addition to the refill benefit, a No Claim Bonus, a lifetime renewability benefit, and a tax benefit under Section 80D, there are other benefits of the policy. As a result, the policy offers many benefits which may help the insured in case of a health emergency and are therefore a preferred option.
- Health Recharge - Niva Bupa Health Insurance offers a health Recharge Policy as a super top-up plan. Affordable premiums cover you and your family members. In addition to yourself, you can include your legally wedded spouse and up to four children. Various sum insured options are available, starting at Rs. 2 lakhs and going up to Rs. 95 lakhs. E-Saver and super top-up plans require you to choose a deductible option, which ranges from Rs. 10k to Rs. 1 lakh. In addition to in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, organ transplantation, e-consultations, daycare expenses, alternative treatment, and emergency ambulance expenses, the policy covers several medical care expenses. A premium can be paid at the time of policy purchase to include add-on coverage under this policy. Among them are personal accident insurance, critical illness insurance, and modifications to the room rent. Despite having a basic health insurance policy, the policy offers wide coverage.
- Health pulse - Health Pulse Policy offers comprehensive coverage for people aged 91 days to 65 years old. As the policy comes with an affordable premium, it is easy on the pocket. With this policy, you can choose between two variants with different sums insured ranging from Rs. 3 lakhs to Rs. 25 lakhs. The policy covers a variety of medical care expenses, including pre-hospitalization and post-hospitalization expenses, in-patient hospitalization expenses, annual medical check-up coverage, alternative treatments, home hospitalization expenses, ambulance charges, organ donation charges, pharmacy charges, and diagnostics. It's available on an individual or family floater basis. Under this policy, you will also receive several additional benefits, including lifetime renewability, tax benefits according to current tax laws, a free look period, No Claim Bonus, a refill benefit, etc. To enhance your coverage, you can also add several additional benefits to the policy. In addition, there is a critical illness cover, e-consultations, and personal accident expenses. After a waiting period of 15 days, you can begin receiving coverage benefits under this policy.
- Health premia - An indemnity-based health insurance policy offered by Niva Bupa health Insurance provides all-around coverage for you and your family at an affordable price. There are three variants of the policy: Silver, Gold, and Platinum, which can be purchased individually or as a family floater based on your needs. As part of the policy, you will be covered for almost all healthcare expenses, such as inpatient hospitalization, daycare expenses, ambulance charges, maternity expenses, travel insurance coverage, e-consultations, mental health treatment, etc. From as low as Rs. 1 lakh to as high as Rs. 3 crores, the policy offers wide coverage for sum insured options to the insured. By paying an additional premium at the time of policy purchase, you can select additional coverage benefits in addition to the base coverage as per your needs. There are various types of coverage available, including personal accident insurance, critical illness insurance, loyalty enhancements, health coaching, and hospital cash. A lifetime renewal benefit is offered to the insured under the policy. If covered under any variant of the health Premia Policy, you will also receive a premium waiver benefit, a refill benefit, and a 15-day free-look period.
- Senior first - One of the most well-known insurance companies, Niva Bupa, offers exclusive health insurance coverage. Niva Bupa offers affordable health insurance plans that cover every aspect of health care. The healthcare needs of senior citizens are substantial, so it is necessary for them to have health insurance. There are many benefits offered by Niva Bupa Health Insurance's Senior Citizens plan. A wide network of over 4,500 hospitals and over 2,000 doctors are available to Niva Bupa health Insurance customers for cashless treatment. Furthermore, it provides a delivery service for medicines and diagnostic samples at home.
4. Care Health Insurance - In addition to providing medical insurance services, Care Health Insurance (CHI) offers financial inclusion services as well. A key tenet of CHI's operating philosophy is its commitment to delivering excellence in customer service, product innovation, and value-for-money services through the effective use of technology. Retail products offered by Care Health Insurance include Health Insurance, Critical Illness Coverage, Personal Accident Coverage, Top-up Coverage, International Travel Insurance, and Maternity Coverage. Group products include Group Medical Insurance and Group Personal Accident Insurance.
Feature & Benefits of Care Health Insurance
- Insured amount - Up to Rs.6 crore is insured with Care Health Insurance.
- The renewal process - Care Health Insurance offers lifelong renewal options for its health insurance policies.
- A cashless hospitalization system - There are 8350+ cashless hospitals and 15500+ cashless healthcare providers available to insured members.
- Restore the benefit - When your insurance coverage is exhausted, the sum insured will be automatically recharged at no additional charge.
- Bonuses for no-claims - With the No Claim Bonus, the sum insured increases by 100% for every year without a claim. The company reimburses ambulance expenses
- Checkup for medical - The super annual medical check-up is available to insured members regardless of their claim history.
- Process for filing a claim - There is no third party involved with Care Health Insurance. Direct claim settlement is hassle-free with the company.
- Payment of premiums - health insurance premium payments can be made online through the company's website, so there is no paperwork to fill out.
- Coverage under insurance - There is no sub-limit on vital expenses, and there is no co-payment up to the age of 60 for pre- and post-hospitalization expenses.
- Care Advantage plan - You and your family have adequately covered with Care Advantage's comprehensive health insurance policy up to Rs. 1 crore. If you are hospitalized for more than 24 consecutive hours, the policy covers your hospitalization expenses. This policy can be purchased individually or as floater by people over the age of 18 or their family members. Depending on your budget and other needs, you can purchase a policy for 1 year, 2 years, or 3 years. Fortunately, this policy has no maximum entry age restriction. The policy covers a variety of expenses, including inpatient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses, organ donation expenses, and daycare expenses. The policy offers other benefits such as automatic restoration of the sum insured, a No Claim Bonus of up to 50% for every year without a claim, a free look period, and a grace period.
- Care joy plan - The Miracle of Life is one of the most overwhelming experiences in life. There are many enjoyable moments and sudden spouts of worries and concerns that come with being a mother or a parent. In such a situation, Care Health Insurance Joy Plan can be of great assistance to you. From delivery to post-natal expenses, this plan covers all other expenses related to your new baby. In summary, this plan combines hospitalization and maternity coverage in an ideal way.
- Care freedom plan - As its name suggests, Care Freedom Policy provides you with medical care coverage without worry. Care Freedom 1 and Care Freedom 2 are the two variants of the policy. It is 18 years of age for adults to enter the policy and 90 days of age for children to enter. However, in the second variant, the minimum age to enter the policy is 46 years for the eldest insured person (on a floater basis), 18 years for other adults, and 90 days for children. This policy requires a minimum age of 18 for the proposer. The policy can be purchased either individually or as a family floater (up to six members). One of the highlights of the policy is that it does not require a medical check-up before the policy starts, is lifelong renewable, has tax benefits under Section 80D of the Income Tax Act, 1961, allows cashless treatment, settles claims directly with the insurer, provides annual medical checks for all insured individuals as adults, and has a 2-year waiting period for pre-existing diseases. As well as this, the policy offers a variety of coverage features in order to keep the insured protected at all times. Expenses such as pre-hospitalization, post-hospitalization, road ambulance, lodging, etc., are covered. At your convenience, you can purchase a policy for one year, two years, or three years. You should, however, consider buying it for a longer period of time to avoid frequent renewals.
- Care senior plan - health insurance for seniors is affordable with Care Senior Plan by Care Health Insurance (Religare). There are two types of coverage available: individual and floater. There are four sum assured options available: Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh. With no-claim bonus and no-claim bonus super options, you can increase your sum assured by up to 150%. It is an optional cover to have a no-claim bonus super. This policy does not require a medical checkup prior to purchase. It covers doctor consultations, diagnostics, and pharmacy expenses up to Rs. 5000 per policy year as an additional benefit. The SMART SELECT benefit can also be opted out under this plan, resulting in a 15% increase in premium.
- Care heart plan - Indemnity-oriented Care Heart Plan by Care Health Insurance (Religare) covers the actual medical costs incurred in the event of a medical emergency requiring hospitalization and treatment. Unlike other indemnity medical plans, this plan provides free annual heart-related medical screenings. In this way, the plan allows policyholders to prevent heart-related ailments by allowing them to have regular medical check-ups. It offers both inbuilt and optional coverage benefits. With the inbuilt benefits, the policyholder gets all-around coverage while the optional benefits can be chosen according to their coverage needs. With this plan, you can select custom coverage options and four different sum insured options. Two lakhs, three lakhs, four lakhs, five lakhs, seven lakhs, and ten lakhs are sum insured options.
- Care Enhance plan - A super top-up health insurance policy, Care Enhance covers you for illnesses whose treatment expenses tower above your expectations and are too critical to ignore. Enhance 1 and Enhance 2 are the two variants of this policy. Their coverage benefits differ as well as their sum insured and deductible options. For Enhance 1, you have a choice of the sum insured between Rs. 1 lakh and Rs. 30 lakhs, while for Enhance 2, you have a choice between Rs. 45 lakhs, Rs. 30 lakhs, and Rs. 55 lakhs. Until 50 years of age, there is no requirement for a pre-policy health checkup if the deductible and sum insured combined do not exceed Rs. 40 lakh. Additionally, you can receive selected health treatment worldwide with Enhance anywhere. Thousands of leading hospitals across India are covered under the policy, so treating patients cashlessly is hassle-free. In-patient care, daycare expenses, pre-hospitalization, and post-hospitalization expenses are some of the coverage benefits you can take advantage of if covered by the policy. Additionally, the policy provides floater coverage as well as tax benefits based on Section 80D of the Income Tax Act, 1961.
How To Choose The Right Health Insurance Company
The goal of all health insurance plans is to provide maximum coverage for our loved ones in times of need. Choosing the right health insurance plan can be confusing with so many options available. Considering so many policy types, their features, inclusions, and limitations can be overwhelming. Many people end up buying a health plan without knowing whether it is adequate for them in order to avoid hassle or time constraints. To help you choose the best health insurance plan for your family, here are some helpful tips
1) Ensure the right coverage is in place - Make sure your health plan covers a wide range of health issues, such as pre-and post-hospitalization coverage, ambulance fees, critical illness coverage, maternity benefits, cashless treatment, daily hospital cash benefits, in-patient hospitalization, etc. You should make sure that the health insurance policy you buy meets the needs of each family member. Review the policy features and limitations, compare different policies, and consider your requirements. We tend to overlook hidden factors like sub-limits, waiting periods, etc. Be sure to read all the terms and conditions of the policy. If this is done, you and your family won't have to deal with any problems during the claim process.
2) Be flexible when adding new family members - When choosing a
family health plan, make sure that adding a new family member is easy. In the event that the senior-most family member passes away or becomes ineligible for coverage, the other family members can keep the same plan without losing benefits.
3) Verify the Waiting Period Clause - Pre-existing diseases, maternity expenses, and certain specific treatments such as hernias and varicose veins are typically covered after a waiting period, typically 2 to 4 years, which varies from plan to plan. Maternity expenses, for example, are usually covered after 2 to 4 years. Your family health plan should cover pre-existing diseases after a certain period of time, so choose one with a minimal waiting period.
4) Verify whether co-payments are required - Your share of the cost is the percentage you will have to pay from your pocket. The remaining hospitalization expenses are paid by the insurance company. The 10% co-pay clause, for instance, requires you to pay Rs. 10,000 out of your own pocket for a claim of Rs. 1 lakh, while the insurance company pays Rs. 90,000 as part of the claim. Additionally, you can look for a policy without a co-payment clause.
5) Select a plan that is renewable for life - Consideration should also be given to lifetime renewability. We tend to forget it a lot. Check the number of years your policy remains valid; see if it offers limited lifetime renewability. The reason is? Later in life, you will need a medical plan the most. Make sure your family medical plan is reimbursable for a lifetime. By doing this, you will be able to continue with the same policy in the future without having to purchase a new policy after reaching retirement age. You can renew your medical insurance plan until 45 years old, for instance. After you pass the age, you will need to buy another one, which will cost a lot more. With a lifetime renewability plan, you'll be able to continue it hassle-free for as long as you want.
6) Limitation on room rentals - Depending on the type of plan you choose, you may receive a private hospital room, semi-private room, or shared room. In order to avoid paying extra from your own pocket, it's always best to choose a policy that has a higher room-rent limit.
Factors To Consider While Choosing A Health Insurance Company
It is important to select a
health insurance policy that meets your specific needs and is affordable for you. Choosing the right health insurance company is also important when purchasing health insurance. You should keep these factors in mind when choosing your health insurance provider.
1)
Claim Settlement Ratio - A claim settlement ratio (CSR) indicates how many claims have been settled out of the total number of claims received by the insurance company. Therefore, CSR gives you an idea of whether the insurance company is likely to settle a claim that you are likely to make. While insurance companies are justified in rejecting duplicate or fake insurance claims, it is particularly if they reject most of them. As a result, insurance companies with low claim settlement ratios will likely reject most claims - putting you at risk during an emergency.
2)Incurred Claim Ratio - ICR is the ratio of the total amount paid by the insurance company to settle insurance claims in a year compared to the total amount collected by the company as premiums from all its insureds. A company that pays more than it receives in premiums is operating at a loss and may not be able to pay future claim requests. ICRs below 50%, however, indicate that the company isn't paying enough in terms of settlements. Insurance companies' ability to pay and their reliability are determined by their ICR (between 75% - 90%).
3)Solvency Ratio - As a measure of a company's ability to meet its debt and obligations, the Solvency Ratio (SR) compares its incoming cash flow to its liabilities. It is preferable to choose an insurance company with a higher solvency ratio since it indicates that it holds more assets. A high solvency ratio indicates that a company can pay claims, while a low solvency ratio indicates that it may not be able to do so.
4)
Network Hospitals - In most cases, insurance companies provide a list of hospitals they are affiliated with. Insured patients have the option of cashless treatment at these hospitals. Insured patients who receive cashless treatment do not have to pay for their treatment (other than copays and coinsurance amounts). For services provided to the insured patient free of charge, the hospital will directly deal with the insurance company or its TPAs.
List of Best Indian Health Insurance Company
|
Private Companies
|
Government companies
|
|
Tata AIG
health insurance
|
National
insurance company limited
|
|
Niva Bupa
medical insurance
|
The
oriental insurance
|
|
Hdfc ergo
health insurance
|
The new
India assurance company limited
|
|
Care
health insurance
|
United
India insurance company limited
|
